Head, Credit Risk Management / Chief Credit Officer at Ecobank Nigeria

Ecobank Transnational Incorporated (ETI), a public limited liability company, was established as a bank holding company in 1985 under a private sector initiative spearheaded by the Federation of West African Chambers of Commerce and Industry with the support of the Economic Community of West African States (ECOWAS).

We are recruiting to fill the position below:

Job Title: Head, Credit Risk Management / Chief Credit Officer

Job Identification: 1060
Location: Victoria Island, Lagos
Job Schedule: Full time

Job Description
Business and Financial performance:

• Ensure unit’s budget is not exceeded and the bank assets are well protected as much as possible
• Ensure NPL of Bank loan portfolio remains within acceptable threshold
• Review and approve credit requests. 
• Ensure that Credit Applications (CAs and Cable CAs) meet the minimum standard requirement.
• Ensure the credit request is structured in line with the Bank’s Credit Policy and complies with the CBN guidelines.
• Ensure all identified risks are properly and adequately mitigated
• Review and approve new product papers and other bank credit related products.
• Participate in TMC / RAC target market preparation for the Corporate Banking/Consumer & Commercial Banking and Product Papers.
• Review Obligor Risk Ratings and Financial Risk Ratings to ensure that they are appropriately derived by ensuring completeness and accuracy of information used to populate the various cells in Moody’s Credit Lens rating model. 
• Work with Credit Officers in the development of appropriate Risk Assets Acceptance Criteria (RAAC) to support business development and to adequately safeguard the Bank’s risk assets.

Customer Excellence:

• Attend calls and customer visitation with the Relationship Management team. 
• Ensure adherence to approved credit approval TAT
• Motivate, share ideas and provide on-the-job training for Credit Analysis.

Leadership and people management:

• Train the relationship managers and credit officers of the bank. 
• Build relationships with business Managers to improve quality of business proposals and turnaround time on credits to be evaluated. 

Process, control and operational performance:

• Defines for the team which business relationship is appropriate with other business units. 
• Drives business effectiveness with a balance between external customer relations and the bank’s need for risk management in mind.
• Review the Bank’s credit procedures and make recommendations for improvement on continuous basis in line with the changes in business outlook. 
• Review the portfolio on periodic basis and make recommendation for improvement in the areas of asset quality, product concentration, obligor concentration, industry / sector concentration, collateral adequacy, taking adequate provisioning in line with the Ecobank Group credit policy and Central Bank of Nigeria’s prudential guideline in addition to other tasks as may be required. 
• Ensure credit approval process comply with Ecobank Group credit policy. 

Strategic initiatives:

• Study and analyse on a continuous basis, the political, socio-economic terrain and use results therein to make recommendation on the portfolio-mix products by sectors and business segment.
• Set the overall credit risk strategy, risk appetite and risk capacity for the affiliate.
• Define the portfolio strategy and risk acceptance criteria for the Bank.
• Participate in credit portfolio reviews, scenario analysis and stress testing, and communicating the results to the relevant stakeholders.

Application Closing Date
12th September, 2025; 05:08 PM.